Traditional Loans

Traditional mortgage option for borrowers with stable, verifiable income.

• W-2s, tax returns, and pay stubs for qualification
• Best for borrowers with steady employment history
• Typically offers the most competitive interest rates
• Minimum 3% to 5% down payment for purchases

For borrowers needing a loan amount that exceeds conforming loan limits.

• Loan amounts above conventional Fannie Mae & Freddie Mac limits.
• Designed for high-value properties and luxury homes.
• Requires strong credit, income, and asset qualifications.
• Competitive rates

Government-backed mortgages with lower down payment requirements, ideal for first-time buyers and those with lower credit scores.

• No down payment required
• More flexible credit score requirements
• Backed by the Federal Housing Administration (FHA) for easier qualification

• Backed by the U.S. Department of Veterans Affairs with no down payment required.
• Competitive interest rates and no private mortgage insurance (PMI).
• Must meet service requirements and use the loan for a primary residence.

A loan designed for homeowners aged 62 and older to convert home equity into cash without monthly payments.

• No monthly mortgage payments required
• Loan interest is deferred until the home is sold or the borrower moves out
• Ideal for retirees looking to supplement income or eliminate existing mortgage payments
• Equity to heirs if borrower passes away

• Used to finance real estate, equipment, or operations for businesses.
• Loan terms, interest rates, and collateral requirements vary widely.
• Offered by banks, credit unions, and alternative lenders.

• Short-term loans that cover the cost of building a home.
• Funds are disbursed in stages as construction progresses.
• Often converted to a traditional mortgage once construction is complete.